CURO Group Holdings Corp.

CUROQ

CUROQCURO Group Holdings Corp. US flag

Other OTC

0.04

USD

-0.02

- -

1.69MMarket Cap

Income Statement (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y
Sales/Revenue/Turnover	701	711	789	909	998	728	660	776
+ Sales & Services Revenue	701	711	789	909	998	728	660	776
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	323	293	308	325	260	241	276	314
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-323	-293	-308	-325	-260	-241	-276	-314
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-36	-108	-102	-18	-142	-80	-81	194
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-36	-108	-102	-18	-142	-80	-81	194
Pretax Income	36	108	102	18	142	80	81	-194
- Income Tax Expense (Benefit)	18	43	42	2	39	6	21	-9
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	18	65	61	16	104	74	59	-185
- Net Extraordinary Losses (Gains)	- -	- -	11	39	-8	-1	- -	- -
+ Discontinued Operations	- -	- -	-11	-39	8	1	- -	- -
+ Extraord. & Accounting Changes	- -	- -	23	77	-15	-3	- -	- -
Income (Loss) Incl. MI	18	65	49	-22	111	76	59	-185
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	18	65	49	-22	111	76	59	-185
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	18	65	49	-22	111	76	59	-185
EBIT	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	19	19	18	18	19	17	27	36
EBITDA Margin (%)	2.73	2.66	2.3	2.02	1.87	2.4	4.08	4.68
EBITA	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	2.54	9.21	6.23	-2.43	11.17	10.41	8.98	-23.9
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	4.08	- -	- -	0.22	0.39	0.34
Depreciation Expense	19	19	18	18	19	17	27	36
Basic Weighted Avg Shares	7	7	45	46	41	41	41	40
Basic EPS, GAAP	2.67	9.82	1.1	-0.48	2.71	1.83	1.45	-4.59
Basic EPS from Cont Ops	2.67	9.82	1.36	0.36	2.52	1.8	1.45	-4.59
Diluted Weighted Avg Shares	7	7	45	48	46	42	43	40
Diluted EPS, GAAP	2.67	9.82	1.1	-0.46	2.43	1.8	1.38	-4.59
Diluted EPS from Cont Ops	2.67	9.82	1.36	0.34	2.26	1.77	1.38	-4.59

Balance Sheet (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	101	194	162	61	75	213	63	74
+ Cash & Cash Equivalents	101	194	162	61	75	213	63	74
+ ST Investments	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	34	37	36	48	32	45	46	22
+ Accounts Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	34	37	36	48	32	45	46	22
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-134	-231	-199	-109	-107	-259	-109	-96
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	100	96	87	77	188	175	171	93
+ Property, Plant & Equip	147	157	163	162	290	288	282	157
- Accumulated Depreciation	47	62	76	85	101	113	111	64
+ LT Investments & Receivables	- -	- -	- -	- -	10	27	28	24
+ LT Investments	- -	- -	- -	- -	10	27	28	24
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-100	-96	-87	-77	-198	-202	-199	-117
+ Total Intangible Assets	178	172	178	149	155	177	540	400
+ Goodwill	145	142	146	119	121	136	430	276
+ Other Intangible Assets	33	31	33	30	34	40	110	124
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-277	-268	-265	-226	-353	-379	-739	-517
Total Assets	666	781	860	920	1,082	1,183	2,461	2,789
+ Payables & Accruals	49	51	81	72	80	70	157	112
+ Accounts Payable	25	27	48	45	46	49	78	53
+ Accrued Taxes	- -	2	5	3	- -	1	2	1
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	24	22	28	24	34	20	77	58
+ ST Debt	8	148	120	107	112	140	980	1,609
+ ST Borrowings	8	148	120	107	112	140	980	1,609
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-57	-199	-201	-179	-192	-209	-1,137	-1,722
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-57	-199	-201	-179	-192	-209	-1,137	-1,722
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	564	479	588	699	803	803	1,089	1,061
+ LT Borrowings	564	479	588	699	678	680	966	998
+ LT Finance Leases	- -	- -	- -	- -	125	123	122	63
+ Other LT Liabilities	-564	-479	-588	-699	-803	-803	-1,089	-1,061
+ Accrued Liabilities	31	27	23	23	15	16	28	32
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-595	-506	-612	-722	-818	-819	-1,116	-1,093
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	685	740	853	939	1,031	1,051	2,300	2,843
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	-37	-36	46	60	68	80	114	125
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	-37	-36	46	60	68	80	114	124
- Treasury Stock	- -	- -	- -	- -	72	78	124	137
+ Retained Earnings	34	137	4	-18	93	160	203	4
+ Other Equity	-54	-60	-43	-61	-39	-30	-32	-46
Equity Before Minority Interest	-19	41	7	-19	51	132	160	-54
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	-19	41	7	-19	51	132	160	-54
Total Liabilities & Equity	666	781	860	920	1,082	1,183	2,461	2,789
Shares Outstanding	45	45	45	46	41	41	41	41
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	125	123	122	63
Net Debt	471	434	546	745	715	606	1,883	2,533
Net Debt to Equity	-2,431.77	1,061.34	7,654.6	-3,901.16	1,416.08	459.66	1,174.21	-4,679.84
Tangible Common Equity Ratio	-40.37	-21.63	-25.13	-21.82	-11.22	-4.43	-19.75	-19.01
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y
+ Net Income	18	65	61	16	104	74	59	-185
+ Depreciation & Amortization	19	19	18	18	19	17	27	36
+ Non-Cash Items	288	253	342	528	482	313	163	469
+ Stock-Based Compensation	1	1	1	8	10	13	14	14
+ Deferred Income Taxes	-2	-1	9	2	-6	12	-18	-38
+ Asset Impairment Charge	3	- -	- -	28	- -	- -	-135	145
+ Other Non-Cash Adj	286	253	332	490	478	288	302	348
+ Chg in Non-Cash Work Cap	-308	-8	4	-39	47	-1	74	-36
+ (Inc) Dec in Accts Receiv	-2	-7	-14	-24	-3	3	13	-19
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	-3	-6	-5	-3	11	8	-6	15
+ Inc (Dec) in Accts Payable	-6	9	7	-3	44	-12	58	-52
+ Inc (Dec) in Other	-296	-4	16	-8	-5	-1	10	21
+ Net Cash From Disc Ops	- -	- -	10	11	-1	2	- -	- -
Cash from Operating Activities	17	329	435	534	651	405	323	285
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-20	-16	-9	-14	-14	-11	-24	-46
+ Acq of Fixed Prod Assets	-20	-16	-9	-14	-14	-11	-24	-46
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	81	11	-72	-6	-45	-13
+ Increase in Capital Stock	- -	- -	81	11	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	-72	-6	-45	-13
+ Net Change in LT Investment	- -	- -	-6	-1	-8	-13	137	- -
+ Dec in LT Investment	- -	- -	- -	- -	- -	- -	137	- -
+ Inc in LT Investment	- -	- -	-6	-1	-8	-13	- -	- -
+ Net Cash From Acq & Div	- -	- -	- -	- -	-8	-14	-448	158
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	289
+ Cash for Acq of Subs	- -	- -	- -	- -	-8	-14	-448	-131
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-6	-282	-419	-606	-514	-217	-589	-890
+ Net Cash From Disc Ops	- -	- -	-16	-28	-14	- -	- -	- -
Cash from Investing Activities	-26	-298	-433	-621	-544	-255	-923	-778
+ Dividends Paid	- -	- -	-182	- -	- -	-9	-16	-14
+ Net Cash From Debt	-24	65	83	98	-24	31	615	550
+ Cash From Debt	114	122	704	956	234	143	1,618	1,894
+ Repayments of Debt	-138	-57	-621	-858	-257	-112	-1,003	-1,345
+ Other Financing Activities	12	-5	-19	-90	-2	-8	-62	-22
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	-12	59	-37	19	-98	7	491	501
Effect of Foreign Exchange Rates	-8	-2	8	-7	2	1	3	-4
Net Changes in Cash	-21	91	-35	-67	8	157	-109	8
EBITDA	19	19	18	18	19	17	27	36
EBITDA Margin (%)	2.73	2.66	2.3	2.02	1.87	2.4	4.08	4.68
Free Cash Flow	-3	313	426	520	637	394	300	239
Net Cash Paid for Acquisitions	- -	- -	- -	- -	8	14	448	-158
Free Cash Flow to Firm	-3	313	426	520	637	394	300	- -
Free Cash Flow to Equity	- -	378	509	618	613	425	914	788
Free Cash Flow per Basic Share	-0.41	47	9.56	11.36	15.47	9.53	7.34	5.91
Price/Free Cash Flow	- -	- -	1.3	0.76	0.77	1.37	1.92	0.43
Cash Flow to Net Income	0.96	5.03	8.85	-24.24	5.84	5.35	5.45	-1.53
Capital Expenditures	-20	-16	-9	-14	-14	-11	-24	-46